FR44 INSURANCE FLORIDA
Cheapest FR44 Insurance in Florida

FR44 insurance in Florida is a special type of car insurance required for individuals who have been convicted of certain serious driving offenses, most commonly a DUI (Driving Under the Influence). It’s a financial responsibility certificate that proves you carry significantly higher liability limits than standard auto insurance. Specifically, Florida mandates coverage of 100/300/50: that’s $100,000 bodily injury per person, $300,000 per accident, and $50,000 property damage.

Unlike standard policies, FR44 insurance must be paid in full and filed electronically with the Florida DMV before your license can be reinstated. It’s often more expensive than regular coverage due to the higher risk profile of the driver and the increased coverage limits required by the state. If you're facing an FR44 requirement, working with an agency that specializes in FR44 insurance in Florida can make the process faster and easier.

Unfortunately this is like asking, "What does a car cost"?

The cost of FR44 insurance in Florida varies based on several personal and location-specific factors. It’s not a flat rate and is determined by:

• Driving History: Past violations, especially DUI convictions, can increase your rates significantly.
• Age: Younger drivers often pay more due to higher statistical risk.
• Vehicle Type: Luxury or high-performance vehicles may lead to higher premiums.
• Location in Florida: Urban areas with more traffic and accident claims tend to have higher rates than rural areas.
• Coverage Requirements: FR44 policies require higher liability limits, which naturally raise the cost.

While exact pricing depends on your unique situation, by working with FR44 & SR22 Insurance Experts, since we can shop across multiple companies, you can be assured you'll always be getting the best price. If you'd like to get free quotes, please visit our Free Quotes Page.

Yes, in Florida, FR44 insurance is mandated for all DUI convictions. This requirement applies regardless of whether it's a first-time offense or a subsequent one. To reinstate your driver's license after a DUI conviction, you must obtain an FR44 certificate from your insurance provider. This certificate verifies that you carry the state's required higher liability coverage limits: $100,000 for bodily injury per person, $300,000 per accident, and $50,000 for property damage. The FR44 filing must be maintained for a minimum of three years without any lapses in coverage. Failure to maintain continuous FR44 coverage can result in the suspension of your driving privileges.

If you don’t own a vehicle but need to meet state insurance requirements — especially after a DUI — non-owner car insurance can be the solution. It’s specifically designed for drivers who don’t have a car but still need liability coverage.

✅ Monthly Payments
Not every company offers them — we do. With FR44 & SR22 Insurance Experts, you can start your policy with a low monthly payment, instead of paying everything upfront. It’s the fastest way to get covered and back on the road.

✅ Non-Owner FR44 Insurance
Don’t own a car? Sell it (if needed) and switch to a non-owner FR44 insurance policy. It meets Florida's requirements and costs much less than regular FR44 car insurance.

If we had to give a quick answer to this question, it would be three years. This is from the date of your conviction; not the date that the incident occurred. While the legal system can make exceptions, we'd say three years is the requirement in a vast majority of cases.

The quick answer is Less than 5 Minutes. As soon as we have all of the required information, we shop multiple companies through a powerful Quoting Engine. This allows us to quickly find the lowest price and, since we only work with "A" rated companies, you can be assured we'll only recommend carriers that will be there for you if something goes wrong. We routinely provide Florida FR44 policies to clients standing at the DMV. We can even fax your coverage immediately.

You won't find a more professional agency with cheaper pricing anywhere in the State of Florida. You'll get the Best Advice and the Fastest Florida FR44 Filing! All of the companies we work with must provide the minimum coverage requirements. Therefore, what we're really trying to find is the lowest-priced plan.

You're not going to like the answer to this one. If your policy should lapse, you will probably have three additional years added to your requirement. It doesn't matter if you've done everything you're supposed to do for two and a half years prior to the lapse. If you let your policy cancel, you're in for a lengthy and expensive consequence. The bottom line; never let a Florida FR44 policy lapse!

Currently, there are only two states that require FR44 insurance filings, Florida and Virginia. The FR44 is a proof of insurance certificate that requires the driver to have higher liability limits on the auto insurance policy due to a DUI. Driving under the influence in one of these states will result in much higher car insurance premiums and a three year period of filing an FR44 form. The cost of the filing is only $25-$50 but having the DUI on your driving record will cause the premiums to increase dramatically.

At FR44 & SR22 Insurance Experts, we take care of the submission for you.
We file your FR44 electronically with the Florida DMV, ensuring it’s delivered instantly and directly to the correct department. This means no delays, no confusion — just fast, accurate processing to help you get back on the road as quickly as possible.

At FR44 & SR22 Insurance Experts, we specialize in making Florida FR44 insurance affordable — and that includes offering monthly payment options.

For most non-owner FR44 policies, we can set you up with a low down payment and flexible monthly billing — no need to pay six months upfront like many other agencies require.

For owner FR44 policies, monthly payment plans are available in many cases, depending on your driving history and the insurer underwriting your policy. Some situations may still require a larger initial payment, but we work with multiple carriers to find the most affordable option for your needs.

Our priority is to keep you licensed, legal, and insured, without the stress of a big upfront cost. Just make sure you keep your monthly payments current — missed payments can lead to policy cancellation and license suspension.

Call us today or get a fast quote online to find out what monthly payment options are available for your situation.